With the orientation of promoting digital transformation, improving service quality and optimizing customer experience, Agribank has deployed the entire product system "Contract-backed loan with online deposit balance (TGTrT) for individual customers on the Agribank Plus application" - a completely online, paperless loan solution, no need to go to the transaction counter.
The product brings a comprehensive digital experience when the entire process from loan registration, contract signing to disbursement is 100% online on the Agribank Plus application. Loans are approved and disbursed automatically and quickly, even on holidays, helping customers save time and be proactive in using capital. Electronic contracts have full legal value, high security, ensuring peace of mind in the transaction process. This is a modern financial solution, contributing to optimizing convenience, cost and efficiency of capital use for customers in the digital age.
The deployment of products throughout the system is an important step forward in Agribank's digitalization of credit granting activities, towards providing modern, flexible and safe financial services, meeting the increasing needs of individual customers.
Product information
Individual customers using the Agribank Plus application, having an online deposit balance at Agribank and needing an online loan.
Product characteristics: The product allows customers to use online deposit balances as collateral to borrow capital to serve life needs.
✔ Lease amount: Maximum 90% of the value of the GDF balance used as collateral; total outstanding debt not exceeding 100 million VND/customer.
✔ Loan term: Maximum 12 months, not exceeding the remaining term of TGTrT.
✔ Borrowing purpose: Serving living needs.
✔ Transaction method: Completely implemented on the Agribank Plus application; electronic contracts are signed online with Agribank.
✔ Loan registration time: From 8:00 AM to 5:00 PM all days of the week (excluding data processing time).
Interest rates and fees:
✔ In-term interest rate = TBT interest rate + minimum margin of 1.0%/year.
✔ Overdue interest rate: Equal to the interest rate within the term.
✔ Free prepayment and late payment fee.
Instructions for registering for a loan on Agribank Plus
Step 1: Log in to the Agribank Plus application, select the "Borrowing money" section, select "Borrowing secured by credit balance", read and agree to the terms.
Step 2: Enter loan information: loan amount, repayment date, loan purpose, beneficiary account, repayment account, contact information and collateral.
Step 3: Check the content of the contract and sign with a digital signature. Customers register for a digital signature and sign immediately on the application.
Step 4: The system automatically disburses and sends a notice with the contract to the customer's email.
Free digital signature service offer on the Agribank Plus application for individual customers for 06 (six) months from November 19, 2025 to the end of May 18, 2026. Details of digital signature registration instructions please see here
For detailed advice, please contact the Customer Care and Support switchboard: 1900558818/02432053205 or Agribank transaction points nationwide.
